In 2025, the FHA loan limits for Southbridge county in Worcester, MA are as follows: $472,030 for a single-family home, $604,400 for properties with two units, $730,525 for three-unit residences, and $907,900 for four-unit homes.
Regarding conventional loans, the maximum amount for a single-family residence is $726,200. For two-unit homes, it is $929,850; for three units, $1,123,900; and for four units, $1,396,800.
Our FHA calculator can help you find today’s competitive FHA rates and identify the necessary downpayment, income, credit reserves, and other documents required to qualify.
The Lendersa® calculator allows a comprehensive comparison of FHA rates and terms with those of other loan programs, such as Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans.
Lendersa® rapidly sources loan program data from thousands of lenders, tailoring it to your specific financial situation and needs.
For 2025, refer to the Loan Limits Comparison Table in Southbridge, Worcester, MA, to assess the maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To compare requirements such as income, reserves, and credit, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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